Zurich Insurance Europe AG, Branch in Portugal
Zurich Auto Ligeiros e Comerciais
Zurich Auto Ligeiros e Comerciais is a motor casco insurance for the Portugal market with online purchase and 24/7 assistance.
Direct payment
Zurich may settle a claim by repairing the vehicle, replacing it, or paying a cash indemnity, and the deductible-adjusted amount may be paid directly to the repair workshop or to any other entity rather than to the policyholder.
Geographic scope
Mainland Portugal and the Autonomous Regions of Madeira and the Azores
Optional own-damage (Danos Próprios) coverages apply only within mainland Portugal and the Autonomous Regions of Madeira and the Azores, unless otherwise agreed in the Special/Particular Conditions; the mandatory civil liability cover extends worldwide to EU/EEA member states, Switzerland, Andorra and other Green Card Agreement countries.
Unique selling points
- Optional civil-liability capital extension up to €50 million, well above the legally mandated minimum, for policyholders wanting broader protection.
- Seatbelt bonus: the death indemnity for occupants is automatically doubled if the seatbelt was being worn at the time of the accident.
- Cover extends to pets travelling in the insured vehicle, not just the human occupants.
- 5%+5% premium discount for enrolling in the Zurich4You digital client portal and choosing direct-debit payment.
- Digital green card delivered by e-mail or through the Zurich4You app, without needing the physical document.
Coverage limits
Own damage (choque, colisão, capotamento, incêndio, raio, explosão and glass breakage)
100% of insured sum
Only in Condição Especial 002
Optional cover, activated on payment of an extra premium, for damage to the insured vehicle caused by collision, rollover, fire, lightning, explosion or glass breakage, up to the vehicle's insured value (Valor Seguro).
Total loss
100% of insured sum
Only in Condição Especial 011
Optional cover for total loss of the insured vehicle resulting from choque/colisão/capotamento, incêndio/raio/explosão, or furto/roubo/furto de uso. A vehicle is deemed a total loss when repair cost exceeds 70% of its market (venal) value at the date of loss, or when damage severely affects its safety conditions.
Partial loss
100% of insured sum
Only in Condição Especial 002
Damage to the insured vehicle that is repairable and does not meet the total-loss definition. Repair costs paid under this cover are capped at the maximum indemnity that would apply in case of total loss.
Theft, robbery and unauthorised use
100% of insured sum
Only in Condição Especial 004
Optional cover for loss, destruction or deterioration of the insured vehicle and its components due to attempted, frustrated or completed theft, robbery or unauthorised use, up to the vehicle's insured value.
Glass breakage
€1,500 – €2,500
Only in Quebra de vidros base, Quebra de vidros genérico, Quebra de vidros marca, Quebra de vidros coleção
Four selectable glass-breakage variants: 'Base' and 'Coleção' cap panoramic windscreens/roofs at the capital stated in the Particular Conditions; 'Genérico' caps panoramic glass at €1,500 per breakage (max. one occurrence/year); 'Marca' caps panoramic glass at €2,500 per breakage (max. one occurrence/year) and requires brand dealer workshops.
Catastrophic natural risks and falling aircraft
100% of insured sum
Only in Condição Especial 006
Optional cover for damage from typhoons, cyclones, tornados, strong winds, torrential rain/floods, earthquakes, volcanic eruptions, tsunamis, landslides, and aircraft/space-object impact, up to the vehicle's insured value; limited to mainland Portugal and Madeira/Azores.
Terrorism, vandalism, malicious acts or sabotage
100% of insured sum
Only in Condição Especial 007
Optional cover for damage caused by acts of terrorism, vandalism, malicious acts or sabotage, and acts of authorities to safeguard people/property during such events, up to the vehicle's insured value; Zurich may cancel or reprice this cover after a claim.
Roadside assistance (towing/breakdown)
€125 – €500
Only in 045 (Base), 017 (Completa), 034 (Master), 035 (Coleção), 019 (Aluguer)
Optional Assistência em Viagem cover, sold in five tiers (045 Base, 017 Completa, 034 Master, 035 Coleção, 019 Aluguer) with different limits; towing/breakdown assistance for light passenger vehicles ranges from €125 (Base) to €500 (Completa/Coleção); not guaranteed under Master/Aluguer for this vehicle class. Also includes puncture/fuel/lost-key assistance and mechanic call-out, per tier table.
Replacement vehicle
Optional
Only in Condição Especial 013, Condição Especial 014
Optional cover providing a replacement vehicle (up to 2,000cc for passenger cars, up to 2,500cc for commercial vehicles) while the insured vehicle is immobilised, subject to market availability. Limits are set by event type: up to 30 days per accident/year for traffic accidents, incêndio/raio/explosão or other covered events, and up to 60 days per year for theft/robbery.
Occupants' personal accident cover
Optional
Only in Condição Especial 015, Ocupante da viatura exclusivo condutor
Optional personal-accident cover for the driver and/or occupants of the insured vehicle (death, permanent disability, treatment/repatriation expenses, temporary incapacity), with capitals freely agreed and stated in the Particular Conditions. Death indemnity is doubled if the seatbelt was worn at the time of the accident.
Key conditions
Driver age and experience limit
The Autoproteção (own-fault own-damage) cover requires the vehicle to be driven by a person licensed to drive for more than 5 years; this requirement is waived only under the accompanied-driving-by-tutor special condition, where the tutor must hold a licence for at least 10 years.
Repair network requirements
Glass-breakage repairs/replacements are only covered when carried out by a specialised company supplying glass with specifications equivalent to those of the vehicle manufacturer; the 'Quebra de Vidros Marca' cover additionally requires the work to be performed by a brand-authorised dealer workshop using manufacturer-supplied glass.
Territorial scope
Optional own-damage (Danos Próprios) coverages are limited to mainland Portugal and the Autonomous Regions of Madeira and the Azores, unless otherwise agreed in the Special/Particular Conditions; the mandatory civil liability cover extends to EU/EEA member states plus Switzerland, Andorra and other Green Card Agreement countries.
Anti-theft requirements
No specific anti-theft device is mandated by the policy; however, theft/robbery losses are excluded if the vehicle was left temporarily unattended, open and/or with the key inside, in a public place.
Claim notification deadline
The claim must be reported to Zurich in writing within 8 days of the occurrence or of becoming aware of it.
Deductible rules
The deductible amount/method is set out in the Particular Conditions and is always deducted at the time the indemnity is paid, even when Zurich pays the repairer directly; no deductible applies to glass-breakage claims or to Total Loss cover unless expressly agreed otherwise.
Policy specifics
Catastrophic risks and natural disasters
Coverage includes catastrophic natural risks, acts of terrorism, vandalism, strikes, riots and public disorder
SourceLiability capital extension
Extension of civil liability coverage up to 50 million euros for protection beyond mandatory coverage
SourceVehicle assistance services
Includes towing/transport, tyre change, fuel delivery, replacement vehicle on breakdown
SourcePersonal assistance coverage
Coverage for theft/robbery of valuables, medical and surgical expenses abroad, psychological assistance in serious accidents
SourceOwn damage coverage
Covers damage to the insured vehicle including collision, fire, theft, catastrophic risks and vandalism
SourceBonus/Malus system
Economic sanctions and surcharges system for claims history applied directly to commercial base premium
SourceVehicle periodic inspection certificate requirement
Vehicles without valid periodic inspection certificate are excluded from coverage
SourceReplacement vehicle on accident or breakdown
Zurich provides light passenger or commercial replacement vehicle up to 2000cc (passenger) or 2500cc (commercial) when available
SourceTotal loss determination criteria
Vehicle considered total loss when repair costs exceed 70% of market value at accident date or vehicle suffers severe safety damage
SourceInsurer's right of recourse and subrogation
Zurich retains right to pursue recovery from responsible parties and third parties; policyholder must grant explicit subrogation at claim settlement
Source